Analysis
A debt-to-earnings ratio of 0.30 sits comfortably in safe territory for an undergraduate certificate, suggesting monthly loan payments around $150 against first-year earnings near $44,000. Based on comparable programming certificate programs nationally, these figures represent a middle-of-the-road outcome—neither exceptional nor alarming. However, the wide range in national outcomes (the top quarter of programs produce $60,000+ earners) reveals how much school choice and local job markets can matter for these short credentials.
The challenge with Belmont's program is that we're working entirely with estimates derived from peer institutions, which means you're essentially betting on whether this program performs like typical certificate offerings rather than evaluating its actual track record. With 17 programming certificate programs across Ohio and none reporting usable graduate outcomes data, you're left comparing educated guesses. The $13,000 debt estimate from similar community college credentials seems manageable, but without knowing how Belmont's specific curriculum, employer connections, and graduate placement compare to programs producing those higher earnings, you're making a leap of faith.
If your child already has some college credits or work experience and needs a quick credential to pivot into tech, the modest debt makes this less risky than a four-year degree. But for a fresh high school graduate, the lack of verifiable outcomes data for any Ohio certificate programs in this field should prompt serious questions about whether these short programs consistently connect graduates to programming jobs in the state's actual labor market.
Where Belmont College Stands
Earnings vs. debt across all computer programming certificate's programs nationally
Compare to Similar Programs Nationally
Computer Programming certificate's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $4,815 | $43,727* | — | $13,274* | — | |
| $9,552 | $60,496* | — | $14,431* | 0.24 | |
| — | $60,496* | — | $14,431* | 0.24 | |
| $2,370 | $43,727* | $48,595 | $19,107* | 0.44 | |
| $2,136 | $37,250* | — | $11,884* | 0.32 | |
| — | $15,968* | — | —* | — | |
| National Median | — | $43,727* | — | $14,340* | 0.33 |
Career Paths
Occupations commonly associated with computer programming graduates
Software Developers
Software Quality Assurance Analysts and Testers
Computer Programmers
Web Developers
Web and Digital Interface Designers
Video Game Designers
Computer Science Teachers, Postsecondary
Computer Network Support Specialists
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Belmont College, approximately 31% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 5 similar programs. Actual outcomes may vary.